Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jul 8, 2021

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If you own an antique vehicle, you may need to get special insurance to cover any damage that it might sustain. Antique cars tend to be exponentially more expensive to fix than standard cars because it is more difficult to find parts or talent able to repair them.

Be sure to keep these tips in mind when you are searching for an antique auto insurance policy.

If you want to find the best deals on car insurance, use our FREE comparison tool by entering your ZIP code!

Determine your Car’s Age and Antique Category

First off, you need to determine if your car qualified for antique, often called classic car insurance. The bare minimum to qualify is that your vehicle has to be at least 20 years old; however, not all 20-year-old cars are considered antique!

Generally speaking, cars produced by major motor companies after the 1970s are not antiques unless they have intriguing body shapes or are otherwise noteworthy. Foreign sports cars also often qualify for antique insurance.

Depending on how old your vehicle is, your premiums and coverage limits may be higher or lower. There are three main categories for vehicle age:

  • Limited – All cars made in small numbers or created for a special purpose. Any car with an intriguing body shape no longer in production due to age
  • Edwardian – All cars made between 1905 and 1918
  • Veteran – All cars made before 1905

State Whether You Use Other Driving Options

If you use your antique car to drive everywhere, you may not be able to qualify for very good rates.

Insurance companies want to know that you are taking care of your antique vehicle, and if you are subjecting it to the standard wear and tear of driving around regularly, you will have to pay substantially more.

You should have another car that you use for daily activities.

Classic cars are expensive, temperamental and difficult to fix. Insurance companies may even deny you a policy if you can’t prove that you use another car.

State Annual Mileage on Antique Car

To remain eligible for the policy coverage, most insurance companies will require that you drive under a certain number of miles in your antique vehicle each year.

Generally speaking, you will be required to drive under 2,500 miles per year. In other words, you can take the antique for a spin every week or so, but you can’t use it to drive to work and back every day!

Special Storage For Your Antique Car

Many insurance companies require you to secure special storage for your antique car to prevent it from being stolen.

You will have to prove that your garage or other location has locks and perhaps additional security measures to get antique car insurance.

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Tips to Choose an Antique Insurance Provider

Not every insurance company offers policies specially designed for antique automobiles. You will need to do some research before you can find a good antique insurance provider.

Alternately, you can use our free comparison tool to find an auto insurance company that offers policies for your antique vehicle. Our comparison tool has the added benefit of helping you compare rates and policy details so you can make an informed decision.

You may wish to go with a company that specializes in antique auto insurance, or you may go with a company that offers antique insurance as well as other types of insurance.

How to Insure Your Car

These are a few other p’s and q’s you need to mind when you decide to insure your classic car. You need to make sure you handle all the details so you don’t end up paying more than you have to!

Figure out exactly how much your car is worth. Find receipts for recent maintenance and labor costs to determine any extra added value. You may even consider hiring a professional classic or antique car appraiser to help you determine how much your car is worth.

Unlike other vehicles which go down in value over time, antique cars actually accrue value depending on how well you care for them and how “mint” their condition is.

Reappraise your car if you haven’t done so recently, as your car may have appreciated in value. If you already have an antique insurance policy, you might consider re-appraising again for more coverage.

While most insurance policies include an automatic appreciation clause, you should be sure that yours is covered for its full value. If your policy or a policy you choose does not have this clause, consider revaluing the vehicle each year.

Review Carefully

Read the fine print before you sign it! For instance, if you should happen to total your antique vehicle, you need to be sure that your insurance company will pay for the “agreed value” of your classic vehicle, adjusted for its appreciation in value over the years.

You want to secure an amount based on the antique car’s actual value rather than its value after damages and rebuilding.

It is far more difficult to insure an antique vehicle than to similarly take care of a regular vehicle. There are extra restrictions, strange clauses and other issues you need to address, making antique insurance more expensive.

Don’t let finding an insurance policy be one of your headaches!

Use our FREE antique auto insurance comparison tool to help you secure the best policy for you and your classic vintage automobile.

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